FlutterWave，YellowCard和Onafriq Join Circle支付网络（CPN）

FlutterWave，YellowCard和Onafriq加入了Circle Paymay Network（CPN），这是一个由USDC背后的公司启动的网络

Flutterwave, YellowCard, and Onafriq have joined Circle Payment Network (CPN), a network launched by Circle, the company behind USDC, a widely used dollar-pegged stablecoin.

Flutterwave，YellowCard和Onafriq加入了Circle Paymay Network（CPN），这是由Circle推出的网络，该网络是USDC背后的公司，这是一家广泛使用的Dollar-Peggged Stablecoin。

Flutterwave said in a Facebook post that the stablecoin network will allow it to “offer faster, cheaper, and compliant cross-border payments.”

Flutterwave在Facebook帖子中说，Stablecoin网络将允许其“提供更快，更便宜，合规的跨境支付”。

The CPN, which was launched on April 21, 2025, now has 28 participants from global financial institutions, including FOMO Pay, HIFI, Inswitch, Legend Trading, Nilos, and Noah.

CPN于2025年4月21日启动，目前拥有来自全球金融机构的28名参与者，包括FOMO PAY，HIFI，INSWITCH，LEGEND TRADING，NILOS和NOAH。

How will Circle Payment Network work?

Circle支付网络将如何工作？

According to a statement by Circle, “CPN provides financial institutions with a modern way to move money globally with speed.”

根据Circle的一份声明，“ CPN为金融机构提供了一种现代的方式，以速度向全球转移资金。”

Jeremy Allaire, Co-Founder, Chairman, and CEO of Circle, said that “Since our founding, Circle’s vision has been to make moving money as simple and efficient as sending an email.”

Circle的联合创始人兼首席执行官Jeremy Allaire表示：“自从我们的创始人以来，Circle的愿景一直是使货币像发送电子邮件一样简单而有效。”

According to the CPN Whitepaper, the system uses blockchain technology to enable fast, low-cost payments between financial institutions. But instead of going fully on-chain right away, CPN starts with a hybrid model — combining traditional systems with blockchain.

根据CPN白皮书，该系统使用区块链技术来实现金融机构之间的快速，低成本的付款。但是，CPN并没有立即完全链链，而是从混合模型开始 - 将传统系统与区块链相结合。

In this first phase, the process begins off-chain. A financial institution, called an Originating Financial Institution (OFI), uses Circle’s API to start a payment.

在第一阶段，该过程开始链链。一个称为原始金融机构（OFI）的金融机构使用Circle的API开始付款。

The OFI signs the request to send USDC or EURC to a recipient. Circle then checks that the request is valid and broadcasts the transaction on a supported blockchain, making sure the right amount reaches the Beneficiary Financial Institution (BFI).

OFI签署了将USDC或EUR发送给收件人的请求。然后，Circle检查请求是否有效，并将交易在受支持的区块链上广播，以确保适当的金额达到受益人金融机构（BFI）。

Circle acts as both the operator and referee, ensuring everything runs smoothly and on time.

圈子既充当操作员，又是裁判，确保一切顺利运行。

Smartcontract powered FX

SmartContract驱动FX

Over time, CPN will shift to a more advanced setup using smart contracts. These are pieces of code that live on the blockchain and automatically carry out payments once certain conditions are met.

随着时间的流逝，CPN将使用智能合约转移到更高级的设置。这些是居住在区块链上的代码，一旦满足某些条件，就会自动进行付款。

In this next phase, OFIs will send payments directly through smart contracts, which will confirm the token type, amount, and recipient before executing the transfer.

在下一阶段，OFIS将直接通过智能合约发送付款，该合同将在执行转移之前确认令牌类型，金额和收件人。

This change will reduce human errors, speed up settlements, and automate fee collection. It will also make transactions more transparent.

这种更改将减少人为错误，加快定居点并自动收取费用。这也将使交易更加透明。

Each payment will have a unique ID and timestamp, making it easy to track and reconcile for compliance and recordkeeping.

每次付款都将具有独特的ID和时间戳，使跟踪和调和以获取合规性和记录保存。

Circle also plans to introduce an “undo” feature, giving senders a short window to cancel mistaken payments before they are finalised.

Circle还计划引入“撤消”功能，为发件人提供一个简短的窗口，以取消付款，然后才能完成错误。

Eventually, CPN will support real-time stablecoin swaps, allowing members to exchange USDC, EURC, and other stablecoins instantly on-chain.

最终，CPN将支持实时的稳定股交换，使成员可以立即在链上交换USDC，Eurc和其他Stablecoins。

This could turn the network into a sort of foreign exchange system on the blockchain, handling pricing, bids, and efficient routing between different digital currencies.

这可能会将网络变成区块链上的一种外汇系统，处理定价，出价和不同数字货币之间的有效路由。

For companies like Flutterwave, this opens up new possibilities. They could soon be able to use CPN to offer faster international payments, reduce transaction fees, and possibly let their users hold and transfer stablecoins like USDC directly on their platform.

对于像FlutterWave这样的公司，这开辟了新的可能性。他们很快就可以使用CPN来提供更快的国际付款，减少交易费用，并可能直接在其平台上直接将用户像USDC这样的稳定​​股固定和转移。

Stablecoins and blockchain-based payments continue to grow in

稳定币和基于区块链的付款继续增长